u/YS6969

Hey everyone! I’m 33 and I’ve been seriously investing for the last 10 years across ETFs, factor funds, some real estate, and a very small amount of higher-risk assets.

Fortunate to be in a strong financial position for my age. (NW of ~600k USD with ~400k liquid).

I’m not a financial advisor, and I’m definitely not here to sell anything. I’m just someone who has spent a lot of time learning, making mistakes, staying invested, and trying to build wealth sustainably rather than chasing quick wins.

My approach with my portfolio is simple: invest consistently, stay diversified, avoid panic-selling, manage risk, and think in decades and not days.

Happy to answer questions on:
- Getting started with investing
- Building a long-term portfolio
- DCA vs lump sum investing
- Staying calm during market drops
- Taking risk without being reckless
- Investing while living outside your home country
- Balancing ETFs, real estate, cash, and speculative bets

I’ll share what has worked for me, what I’d do differently, and how I think about building wealth over the long term.

My portfolio is as as follows:
SPMO (40%)
QLD (15%)
SSO (15%)
AVUV (15%)
IDMO (10%)
FBTC (5%)

I’ve been DCAing into this portfolio for about a year now. And while the returns have been phenomenal, it’s looking too good to be true and I’m a bit afraid.

I’m very much in the accumulation phase at age 32 and seeing all my positions consistently at ATH makes it very hard to put money into the portfolio.

Should I continue to follow what has worked or should I be more cautious and reduce my exposure to tech/US markets and deleverage? I also have a separate account with some EM and non US exposure. That accounts for about 30% of my portfolio. But I am focused on this brokerage account for now.

To be clear: I don’t mind a 40-50% drawdown on the portfolio from where it is now. I’m very much a long term investor with a 10-15 year time horizon at least. But would like to get the community’s views on how they’re approaching this bull market with everything being at ATH.